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Trucking Tips

How to Stay Safe in Harsh Winter Conditions

 

No matter how much experience a driver has, harsh winter conditions can present a range of challenges on the road. From slick road surfaces to limited visibility, commercial truck drivers have to be ready for anything. Winters in the Northeast and Midwest are especially brutal, and almost always result in blizzards and multiple feet of snow on the ground. Even though February is half-way over, the cold temperatures and icy roads will still be here for a while. Thankfully, there are many things drivers can do to stay safe even in the worst winter months. Here are some things every trucker can do to keep themselves and other drivers safe this winter.

Pack for the Winter  

Any trip in winter weather starts with preparation. Before ever starting your truck’s engine, make sure you have everything to stay warm and safe no matter what happens. Make sure you have the tools and supplies to keep your truck in shape including a flashlight, extra windshield washer fluid, chains, a bag of salt or sand, bungee cords, and a windshield scraper. For yourself, pack a reflective vest, blankets, a hat, a few pairs of waterproof gloves, a scarf, and thermal socks. You will also want boots with good traction and enough food and bottled water to last a full day.

Do a Circle Check

Before you hit the road, be sure to do a circle check and make sure everything is functioning properly. Ensure the wipers, lights, brakes, tail lights, washer fluid, and wiper motors are all in working order and ready for the trip. It is also important to make sure your mirrors and lights are clean and free from snow or ice while traveling. Keeping them clear will help you see what is around you and also allow you to be seen by other cars.

Keep Your Gas Tank Half Full

During severe winter conditions, getting stuck on the road is a real possibility. If you run out of gas and have to wait inside the cabin, you are putting yourself in a potentially dangerous situation. Be sure to keep your tank half-full at all times to avoid getting stranded in the snow.

Keep Your Distance from Other Vehicles

Highway traffic can often seem to travel in groups down the road. During harsh weather conditions, make sure you keep plenty of distance between you and the other vehicles. This can help everyone avoid an accident if a vehicle suddenly swerves or hits black ice. While it may be impossible to avoid other cars altogether, be especially careful to leave space between you and the truck in front of you. This will give you adequate time to break in necessary.

Use Good Judgement

Especially during the holidays, truck drivers are under huge pressure to get their shipments to their destinations. Even in the worst weather, truckers can be tempted to take the risk to make their deliveries on time. However, it is important to remember that no load is worth your life. Use good judgement and make the right call. If the snow is too dense or the highway is covered in black ice, do not take the risk. Park your truck and wait for the weather to blow over, even if it means your shipment will be late.

Practice Good Communication

Staying aware of weather forecasts and communicating with other drivers about upcoming storms or weather advisories is essential to staying safe on the road. PetroChoice’s Vice President of Human Resources Marilena Acevedo said, “Communication is key, and we keep an open line of communication with all of our drivers. When we are expecting a big storm, our leadership gets involved, and we may start a conversation a few days before to make sure we have a plan in place,” she said. “We do not want to be caught in the middle of an event without a plan. Planning is important to make it through a bad storm without too much trouble.”

Winter weather can be intimidating and certainly should not be taken lightly. However, with the right tools and preparation, you can stay safe and warm all winter long.

Could a Healthy Work-Life Balance Help End the Trucking Shortage?

 

The impact of the trucking shortage and how it can be fixed has been the primary topic of the trucking industry since the shortage began. To help fill more trucking positions, many trucking companies have upped the annual salaries they offer. In fact, a study published in 2018 revealed that the median salary for a truck driver has risen 15 percent since 2013. That is an increase of $45,000 to $53,000 per year. For a private fleet driver, the average salary has increased around 18 percent, which means these drivers are now taking home over $86,000 a year. However, even higher salaries are not enough to recruit the number of truckers needed to end the shortage.

Trucking Industry Must Meet Millennial Demands

As long-term truckers begin to retire, it is clear that the only hope of hiring enough drivers to sustain the industry is to meet the unique requirements of the millennial workforce. These workers, born between the 1981 and 1996 are not just after high-paying jobs. Instead, they are far more concerned with a job’s work-life balance potential. Work-life balance is so important to this new generation of workers, that it has surpassed compensation as the main factor a person considers when applying for a job.

In fact, a recent survey on the topic shows that 64 percent of workers said a work-life balance is the most important factor for job satisfaction, followed by job security (59 percent) and then compensation (54 percent.)

Creating a Healthy Work-Life Balance in the Trucking Industry

Trying to create an appealing work-life balance within the trucking industry can seem challenging. The long hours of driving, weeks away from home, and the not-so exotic locations along the highway can all be deterrents to the next generation of truck drivers.

Some industry experts ponder if requiring truckers to only drive regionally would be a valid solution to the problem. Instead of one trucker taking a haul across the country, truckers could trade off at designated stops, ensuring that every driver is able to make it home for dinner each night.

However, this solution may cause more harm than good. Alternating truckers and transferring loads between trucks would increase time and expenses for each haul. This difference in price could mean a jump in price on groceries and consumers goods as well.

How Drivers Can Improve Their Lives on the Road

While no work-life balance solution has been created, there are a variety of things truckers can do right now to improve their work-life balance. Here are a few things truckers can do every day to improve their quality of life on and off the road.

Stay Entertained

When driving down a seemingly endless highway for hours on end, it can be easy to zone out and go into autopilot mode. Keeping your mind stimulated is key to enjoying your travels instead of counting down the minutes until you arrive at your next stop. Luckily, there are plenty of audio-based ways to keep your mind engaged while you drive.

  • Audiobooks: Audiobooks are a great way to catch up on the latest titles while you’re on the road. With the average book giving you up to 8-13 hours of audio, even just one audiobook can keep you entertained through a long night’s drive.
  • Music: Listening to the radio can be a great way to stay engaged and entertained during a long trip. However, if the radio has too many commercials or plays the same songs over and over, there are a variety of better options out there. With new advancements like Satellite Radio and streaming services on your phone, you can start a station that only plays your favorite artists.
  • Podcasts: Podcasts are another great way to stay entertained during long trips. Now, there are podcasts covering just about every topic from true crime, news, fishing, sports, and anything else you can imagine. Keep your mind engaged by getting hooked on a new story, laughing along with a comedy podcast, or learning new things about your industry or hobbies.

Get Moving

Trucking obviously requires a lot of sitting still. Sitting in one position for hours can take a toll on your neck, back and legs. However, taking periodic breaks to work out your muscles and burn some calories can help both your body and mind. Whether it involves stretching, going for a jog, doing some push-ups, or taking a long walk, find a small routine that works for you. Getting some exercise in also releases endorphins to help keep you happy and comfortable when you get back in the truck. 

Work Hard and Play Hard 

When you are finally home after a few days or weeks away, be sure to soak up all the time you have with your family or friends. It can be easy to get bogged down with a long list of chores that need to be done or errands you need to run. Those things are important, but if you don’t allow yourself to have some fun with your kids, enjoy your favorite homemade meals, or go on a date with your spouse, your entire time at home can seem like even more work. Remember what makes your job as a trucker worth it and be sure to give those things and people the time they deserve.

When you are back on the road, be sure to take a little bit of home with you. Take a picture of your family to put on your dash, and bring along some of your favorite homemade snacks for the road. Also, don’t forget to stay in contact with the ones you love. A daily phone call home can go a long way with keeping you connected to your family.

Having a healthy work-life balance as a trucker may be difficult at times, but it is not impossible with the right habits. In the future, commercial trucking companies will have to have more of an emphasis on balancing work and life to appeal to millennials.

Staying Healthy On The Road

 

Choosing healthy snacks on the road can be a tedious task. From over-processed snacks at truck stops to greasy fast food, finding a healthy snack that also tastes good may seem impossible. However, eating healthy on the road is imperative to living a long, happy life as a commercial truck driver, and it is not at challenging as it may seem. Here are some great, healthy options for snacks on the go.

Raw Vegetables

You may not find a surplus of raw, crunchy vegetables at your usual truck stops. However, you can count on any grocery store along your route to have a variety of vegetables for you to snack on. Easy, on-the-go vegetables include baby carrots, celery sticks or broccoli. If those aren’t your favorites, don’t worry. There are plenty of other nutritious options out there.

Hummus

If raw veggies on their own isn’t your thing, try dipping them in some hummus. Hummus is a great source of protein, fiber and antioxidants, and with yummy flavors like chipotle and roasted garlic, hummus is the perfect way to liven up your snack. Try hummus with carrots, sliced bell peppers, or even some pita chips for a healthy snack.

Fruits

Fruits are another excellent snack for the road. They are packed with important antioxidants and vitamins, and they can give you the boost you need to get through a long drive. Many grocery stores and even truck stops offer pre-cut and washed fruit cups for easy snacks on the go, and just about every gas station has bananas and apples on hand. Just be careful not to purchase fruit cups packed in sugar syrup. Fruit is plenty sweet on its own without the added sugar and extra calories to weigh you down. Try snacking on a fresh apple to give yourself a boost of energy or have some watermelon to stay hydrated on the road.

Beef Jerky

Jerky can be a satisfying and tasty snack on the road when you are craving something savory and are limited to a truck stop. However, be sure to choose a healthy jerky that is low in sodium and sugar. A good rule of thumb is to choose jerky with less than 500g of sodium and 5g of added sugar per serving. Even if you are a little on the picky side, you should still have plenty of jerky to choose from.

Boiled Eggs

Boiled eggs are a great snack for the road because they are high in protein, filling, and easy to eat; just be sure to keep them cool while traveling. Peel your boiled eggs ahead of time and keep them in a cooler on the road. If boiled eggs are a little bland, liven them up by adding hummus or avocados.

Protein Drinks

When you just want a healthy, filling, and easy option to store in the truck at all times, there is nothing wrong with stocking up on protein shakes. You can buy protein shakes in powder form to simply mix with water, or you can buy the shakes pre-bottled for easy access. Protein drinks can also provide you with many essential proteins, vitamins, and minerals that will keep you healthy on the road and may otherwise be difficult to get.

Snack Bars

Snack bars can either be a great, healthy snack or a secret source of sugar and fat. If you choose the right bar, they can be a great source of protein, keep you full between meals, and maybe even satisfy your sweet tooth with honey and berries. However, there are some bars on the market that might as well be candy bars with all of the sugar and fat they have packed in. Be sure to choose bars that are high in protein and nutrients and low in sugar and fat.

Water Bottles

This may not be a snack or even a food but drinking plenty of water can be a great way to stay healthy, energized and full. It may be tempting to avoid water while driving long distances because it will cause more frequent bathroom stops. However, allowing your body to become dehydrated by limiting water all day will cause you to become drowsy and fatigued. Being dehydrated can even cause you to start craving sweets and junk food. Instead, be sure to drink plenty of water throughout the day and snack on fruits that are high in water content. This will keep you hydrated and keep your sugar cravings in check.

Healthy Habits for Truck Drivers

Staying healthy and energized on the road can be a challenge, but you should take the time to pack nutritious snacks and meals before you head out on your next trip. In addition to eating better, try implementing exercises and stretches into your driving routine as well. Start making your health a priority, and you will feel happier, have more energy, and enjoy a better quality of life every day.

 

If you’re considering a career as a commercial truck driver and need help with a loan, contact Mission Financial today. We offer first time buyer loans for drivers with low credit scores.

10 Safety Tips For Overnight Travel

 

Overnight drives can be a blessing or a curse. On the plus side, you have the whole road to yourself. You don’t have to worry about traffic holding you up as you pass through cities, and you can go at whatever pace you please. However, overnight drives also mean staying up all night, which could potentially be a shock to your system. It’s easy to become sleepy with nothing but a dark road ahead, but it is important to your safety, and to those around you, that you stay awake and alert while driving. Additionally, if you are not used to night drives, you could be at a higher risk of drifting off. According to Instructional Technologies, if you do not typically drive at night, you are more likely to experience fatigue than frequent night drivers.

Whether you are a seasoned night driver or are about to venture on your first overnight assignment, here are 10 tips to help you stay sharp during those late night trips. 

1. Avoid High Contrast Light

According to Trucking Truth, bright lights in the cab can create a harsh contrast to the dark road outside. This can cause your eyes to struggle to adjust and become tired quickly. It may seem like the opposite of what you should do to stay awake, but be sure to turn down the light in your truck. Even turning down the lights in your dashboard can help your eyes stay wide awake during a late night drive. It is also important not to stare into the lights of oncoming vehicles as they pass. Be sure to always keep your eyes in your own lane.

2. Maintain a Level Head

Before you get behind the wheel for a long journey ahead, be sure your emotions are in check. If you’ve had a stressful day or are upset about something, be sure to put it all behind you before putting the truck in drive. It may be easier said than done, but if you spend the entire night fuming about past events, you are likely to wear yourself out. Emotions can drain your energy and leave you feeling exhausted; this is even true of positive emotions. If you had a great day or have something to celebrate, be sure to keep your excitement in check as well. Try to keep your radio singing to a minimum and focus your attention on the road.

3. Watch What You Eat

Eating on the road can be tricky. It’s tempting to grab a quick burger or a bag of chips at the gas station. However, if you choose to eat something heavy in carbs or sugar, it will make you feel sluggish and sleepy later on. Obviously your options on the road are limited, so plan ahead with a cooler full of your own healthy foods. If fast food is your only choice, avoid the greasy burgers and fried chicken. Mix it up with a salad, fruit cup or grilled meat. Most fast food chains have added healthier options like these to their menus, which will help you feel more energized and ready to stay up late.

4. Grab a Coffee

This one may seem obvious, but don’t forget the coffee! Coffee will help boost your energy and keep you fresh throughout the night.

5. But Don’t Overdo the Caffeine…

That being said, be sure to keep your coffee consumption in check. Too many coffees or energy drinks can make you jittery and will eventually make your energy crash. This is also true of drinks full of sugar and artificial flavorings. Large amounts of soda and sugar-loaded juices can make your blood sugar spike and crash, which could lead to you falling asleep behind the wheel.

6. Drink Lots of Water

Coffee is important to sip on while driving overnight, but nothing is more important than water. Staying hydrated is the easiest way to remain awake and feel alert. You may think it is a better idea to skip the water to avoid constant bathroom breaks, but drinking coffee without water can actually create more of an urge to urinate, and can lead to headaches and other health issues.

7. Check Your Truck’s Temperature

The temperature in your truck can also affect your energy levels. If you keep it nice and toasty in your truck, you may find yourself becoming drowsy on long drives. Instead, be sure to keep your air a little cooler than comfortable to keep your body attentive.

8. Take Your Vitamins

Vitamins are another great way to boost your energy. Taking some Vitamin B and Vitamin D after a healthy meal can help you feel more energized and stay awake longer without an energy crash later. 

9. Take a Walk

If you start to feel sleepy, try getting out of your truck in a safe area for a nice, brisk walk to help revitalize your system. Going for a walk will get your blood pumping and muscles moving again, which will not only wake you up, but it will help your body stretch out after being cramped in the same position for hours. It is important for anyone who remains stationary for long periods of time to contract their muscles and move around frequently; these are the best ways to avoid blood clots.

10. When All Else Fails, Take a Nap

Sometimes, no amount of caffeine or vitamins can replace a quick power nap. If you are feeling too tired to go on, don’t be afraid to park your truck in a safe place and take a nap. Just be sure to set a timer to avoid oversleeping. A 20-minute nap can do wonders for your energy, but if you accidentally sleep for a few hours, you could wake up feeling even more groggy, and your shipment could be running late.

 

Overnight drives can be relaxing, but it is important that you stay perceptive and safe. If you think you have what it takes to be a commercial truck driver, visit our website and get started with a loan today.

Questions to Ask When Choosing a Trucking School

 

So, you’ve decided to become a commercial truck driver, and now it is time to choose a truck driving school. It may be tempting to choose an inexpensive or quick trucking school to get you out on the road as fast and easily as possible, but you have to be careful. Not all trucking schools are created equal, and if you choose the wrong one, it could have real implications on your career; it could even cost you a future job.

In fact, some trucking businesses have a list of schools they will not hire students from. So, when you are choosing your school, don’t just choose the one that seems easy or close to home. Be sure to do your research and know what to look for. In this article, we will list all of the questions you should ask about your potential truck driving school to make your search a little easier.

Is it Accredited?

Is your trucking school accredited and approved by the U.S. Department of Education? If the school is accredited, you will know that the school is keeping up with its curriculum and will be recognized across the country as a valid school to earn your Commercial Driver’s License (CDL) from.

Will I Earn a Certification?

Earning your CDL is the primary reason one goes to trucking school. Without this certification, you will not be eligible for a truck driving job in the U.S., which means you’ve wasted your time and money at school. Be sure your school offers certifications at the end of your program.

Is this School Cost Effective?

There is a lot that goes into becoming a truck driver, and lot of it can be very expensive. To become a commercial truck driver, you need to earn a permit, go through a drug screening process, acquire insurance, and many other things. It is important that your school’s tuition reflects the services it provides. If your school covers everything you need in one flat fee, you can expect it to cost more than a school that doesn’t cover permits and drug screening. Be sure you check into exactly what your school covers, and look out for hidden fees.

Does the School Offer Enough Driving Time?

In driving school, you need at least 44 hours of actual driving time to gain your CDL. This does not include observation time, however. Some schools may want to skimp on your driving time to make room for more students, which could hurt you in the long run. So, when you are choosing your school, you must make sure they offer you enough time behind the wheel to earn your license.

Is the Equipment Up to Date and Well Kept?

We have all been to schools with antiquated tools and equipment. When attending a trucking school, it is imperative that the equipment be up to date and regularly maintained. It is also very important that you learn how to drive using the same kind of equipment you will be using on the job. Find a school that provides extensive, real-world experience behind the wheel as opposed to virtual practice in front of a computer screen.

Is the School Itself Well Kept?

Just like the trucks, the school you choose to attend should be clean, updated and accessible. You will want to choose a school that has the adequate classroom tools, from audio-visual capabilities to fast wireless internet, a library, and a practice driving range with experienced instructors to help teach you. Be sure you set yourself up for success by choosing a school with everything you need.

Does the School Offer Financing Options?

Trucking school is not cheap. Many students will need to choose a financial aid option to get through the program. Only reputable schools that are recognized by the U.S. Department of Education will be able to offer financial assistance, and the benefits vary for each school. Most schools have a variety of loans, grants, scholarships, and military benefits that you should see if you qualify for.

How Experienced are the Instructors?

When learning any new subject, you want to learn it from someone who is experienced in the field themselves, and trucking is no exception. If your teachers have spent little time behind the wheel of the big rig, they may not be prepared to answer your questions or give good instruction. As a rule of thumb, be sure your teachers have at least three years of truck driving experience before you enroll in their classes.

Does the School Offer Placement Assistance?

The whole point of going to trucking school is to get your CDL and then get a great trucking job. And while no school can ensure you a job after graduation, any extra help in the job hunt is a great start. Check and see if your school offers placement assistance to its recent grads. Additionally, it is a great idea to see what their placement rate is. For example, do 98% of graduates earn a trucking job within three months of graduation? That would be a great sign that the trucking school is producing excellent drivers.

How Long is the Program?

Trucking is not something you can learn overnight. If a school is offering a week-long crash course in trucking, the school is not worth your time. Be sure the program you choose is at least three weeks long to give you enough time to learn everything you need to know as well as allow for enough practice time behind the wheel.

What is the Student to Truck Ratio?

It doesn’t matter how great the equipment is if you are having to share a truck with eight other students. This will equate to little time behind the wheel and a lot of time waiting around while other students practice. The best schools will limit their class size to ensure each student has their own truck to practice in.

There is a lot to consider when choosing the right trucking school for you. However, it is important to take the time to choose a school that meets all of your needs and gets you started on your path to becoming a commercial truck driver.

 

After you obtain your CDL, let us know if you need any help financing your commercial vehicle. It doesn’t matter if you’re a first time buyer or have bad credit; Mission Financial has got you covered.

The Steps to Obtaining Your CDL

There are many understandable reasons why you may have decided to get your commercial driving license. Having your CDL opens your career options to a wide range of public service professions and prepares you to become a truck driver as an owner-operator or with companies. Read more to learn the steps you’ll take toward earning your commercial driver’s license, including driving courses, regulations and commercial truck financing options.

Why Get A CDL?

Many people pursue their CDL for financial security. Entry level drivers start at about $30,000 dollars a year, but as drivers gain experience this number rises. Experienced drivers can make up to $50,000 or $60,000 per year. While semi truck driving and cargo transportation is the most common reason to earn your CDL, it isn’t the only job opportunity that comes along with the license. Garbage men, firemen, bus drivers, commercial grain haulers, tow truck drivers and more all need commercial driver’s licenses. A commercial vehicle is generally defined as any vehicle with a GVWR of 10,000 lbs or more pounds or any vehicle designed to transport more than 16 people including the driver. It’s easy to imagine how many careers you can pursue with a commercial driving license in the transportation industry. So where do you start?

Check Out State Regulations Where You Live

In addition to federal requirements, every state has slightly different rules and regulations for obtaining your commercial driver’s license. The first step will be to identify the requirements for your state. A good place to start is with the federal minimum requirements, listed below:

  • Have a valid regular (non-commercial) driver’s license and be at least 18 years old to travel within our state (in most states).
  • Be at least 21 years old:
    • To drive a commercial motor vehicle across state lines (interstate).
    • To drive a commercial motor vehicle that contains hazardous materials.
  • Supply proof of lawful citizenship and residency
    • Social security card or birth certificate.
  • You’ll need to pass background screens.
  • You can’t have current driver’s license suspensions or revocations in any state.
  • Must surrender your regular state driver license once you earn a CDL.
  • Can’t have a driver’s license in more than one state.
  • Be able to speak and read English to drive a CMV in the United States. The written exams are only given in English.

Beyond these basic federal requirements, your state may have other things to make note of before you can work in commercial transportation. For example, in Georgia, there is an application fee of $35 and a $10 fee when you are given the license. Additionally, in Georgia you are not required to take CDL classes, however it is often recommended that you do. You’re more likely to pass your test the first time and have a better understanding of the knowledge you need for the road. This means you’ll be on the road truck driving sooner.

Types of CDL

There are three classes of CDL, based on different weight and seating standards. A class A CDL is required to professionally drive trucks with a greater GVWR than 10,000 pounds. Class B is for operating a vehicle of that size or pulling another vehicle of that size. Class C licenses are for driving buses with more than 16 passengers. Many professional drivers will actually obtain all of these. You can also earn “endorsements” in addition to your license that solidify your qualifications to drive school buses, tanker trucks, and passenger transport vehicles like tour buses. For example, a truck driver with a class A license can also drive other class B and C vehicles if endorsements are added.

Submit the Application

Once you’ve checked the regulations and required documents for a CDL in your state, you’ll be ready to fill out and submit your application. You can submit this application at your local DMV, and as always it’s recommended that you make an appointment to avoid a long wait at the DMV. You’ll then take your written test before you are given a permit and later, a road skills test.

Just like a regular driver’s permit, you’ll take your written test at the DMV and it will be scored immediately on the spot. If you pass this initial written exam, you’ll be issued your permit. The permit is what will allow you to practice driving and learn your road skills alongside a professional, usually from a driving school. Before you take your CDL test, you’ll need to practice your driving with a qualified license holder in the car with you.

Taking a Driving Course

It’s true that not all states require commercial driving school to gain your CDL. However, many states do, and the class will only benefit you on the road. Just like earning a regular driver’s license at 16, a permit is required first before you’ll be given a full commercial driver’s license. You earn your permit by passing a few written exams. Truck driving classes will teach you everything you need to learn to obtain your permit and then your license. Trucking schools can cost anywhere between $1,500 and $8,000. The classes usually last around eight weeks, and teach you the following necessary skills:

  • Vehicle Systems
  • Road Operations
  • Operating Systems
  • Documentation

Driving school classes are specific to the class of license you’d like to get, so that you’ll be as equipped as possible to drive a semi truck (Class A). Certain driving schools or classes may have their own requirements for admission, particularly medical health standards such as 20/40 vision, healthy hearing, and cardiac health. You’ll also probably take a drug test upon admission as well.  Once you follow through your courses, you’ll be ready to schedule your road skills test. Passing your road skills test in the car with the examiner will be your final step in receiving your official license, excluding any additional endorsements you want to pursue. The steps in every state vary, so depending on where you live there may be varying required forms or time restrictions associated with this process.

Financing Your Commercial Vehicle

When you do receive your commercial driver’s license, you’ll eventually be ready to finance a semi truck. Because semi trucks are more expensive than most people can purchase outright, you’ll likely need to take on a commercial vehicle loan. Factors like your credit, current child support and bankruptcy status, and more will affect the rate and terms of your loan. Once you select the right vehicle for you, your dealership will usually have a partnered lender to finance your loan for you. You can also reach out to commercial vehicle lenders to facilitate a direct loan.

Deciding to pursue your commercial driver’s license is an exciting step forward in your career. By doing your research and following these steps, you’ll be able to begin driving trucks in the commercial transportation industry! Don’t forget to plan your financing options as you plan for the future and gather your paperwork.

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